Analisis Pengaruh Tingkat Suku Bunga Sertifikat Bank Indonesia (SBI) Dan Non Performing Loan (NPL) Terhadap Jumlah Kredit Yang Disalurkan Bank Umum Di Sumatera Utara
Imelsa J. Siringo – Ringo
Drs. Sabat Silaen, MSi
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In general, banking have important role in economics of nations go forward and also nations expanding like Indonesia specially in North Sumatra provinci. Banking practically will influence economics activity through function of intermediate. By this function amount of money supply in society can be stabilized through the amount of credit channelled by bank . Ever greater amount of credit channelled by bank hence ever greater also fund able to be exploited by society for the advance of his economic activity. This research try to analyse influence of Indonesia bank rate storey level and Non Performing Loan ( NPL) to amount of credit channelled by bank. For target of this analyse, This research use data of time quarterly series during the year 2001 - 2005. Method of OLS ( Ordinary Least Square) used to estimate model in this research. Result of this research indicate that, rate of interest storey; level of SBI have a negative effect and significantly to amount of credit channelled by bank. NPL also have an effect on negativity to amount of credit channelled by bank but do not signifikan . Pursuant to this, hypothesizing expressing that SBI and of NPL have an effect on negativity to amount of credit channelled by bank can be accepted.
- SP - Economic Development